Despite life insurance's many benefits, popular misconceptions tend to dim its true value and necessity. This article will unpack these misunderstandings and reveal the perks of life insurance to people from all walks of life.

Dealing with the fallout of a car accident can be time-consuming and stressful, but it doesn’t have to be. Many people refrain from filing a claim after an accident because they aren’t sure exactly what to do. We’ve composed a step-by-step guide to help you receive the support and repairs you need after an accident.

There are multiple types of life insurance and different ways you can set up and use your policy. Understanding and exploring the options will help you select a life insurance policy that meets your needs and allows you to work toward certain financial goals.

Here are some of the differences in types of auto insurance coverage that are available to you.

What would you do if you experienced an accident on the water? How would you replace your watercraft should it incur any damage? Your watercraft can be a considerable investment, and as such, you should ensure you have adequate protection when on the water.

Business property insurance will protect your physical assets while liability insurance will provide you with the financial assistance you need in the event your company faces a legal challenge such as a lawsuit. Typically, the majority of businesses carry both coverages since they provide protection in different situations.

There are many varieties of commercial insurance policies, allowing your agent to customize the right coverage package for your business and your specific circumstances. What is covered under commercial insurance depends on the policy options you choose.

If you provide professional advice, you should have professional liability coverage. Business equipment, like computers or tools, should have a business owners' policy or BOP, which combines general liability with business property coverage.

You may also have an emergency that needs you to hit the road immediately. Either way, you need to equip yourself with the necessary safety tips for comfortable night-time driving to ensure you hit the road in confidence and get back home safe. 

Term life insurance is the guarantee that offers you the financial support that your family and you would need in case something serious happened to you. This istypically due to death from any cause; absolute and permanent disability as well as accidental death.

In the market for purchasing a new home? Once you do you want to protect this new home right? This is where the homeowner’s insurance is your knight and shining armor for those unexpected happening, and it is usually not at the best times either.

The 21st century economy is fraught with risk,mostly from the ever-evolving litigious nature of modern society. With these mounting uncertainties, it becomes even more critical than ever for consumers to educate themselves before making final decisions as to how one spends their money each month.

The cost of health insurance is of concern to all of us. What we pay for it can differ dramatically from one person to the next. So, what factors affect health insurance? Across the board, some of the factors affecting your health insurance premium include the location of your residence, your age, income..

There is a saying that I’m sure you are all very familiar with. In life, there are only 2 things that are guaranteed, death, and taxes. Even though this phrase was first spoken by Benjamin Franklin back in 1789, it still resonates with us today in the USA. This is something we at Alpine Castle Lake Insurance embrace.

Auto insurance is expensive and contributes significantly to the overall expense of maintaining a car. There are, however, effective ways to lower your auto insurance premium. Your total outlay for auto insurance can vary depending upon where you live, how many miles you drive, the extent of your coverage, the age and make of your vehicle, and your own age and gender.

Health insurance can certainly be prohibitively expensive, but it doesn’t have to be. Here are some ways to save money today on health insurance in Idaho Falls....

Purchasing insurance is a significant investment and one you will want to plan wisely. Where can you find the plan that best suits your situation? Here are some tips that you must consider before buying insurance in Idaho Falls.

Summer’s almost here. The sun will come out of hiding, and people will, too. As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions.

In most places in the United States, March 10, is Daylight Saving Time, when clocks are moved forward one hour. We want to remind you it’s also a great time to improve your family’s safety.

You keep your home stocked with supplies to use in case of emergency. (Right?) What about your car? During winter, extreme weather and road conditions can lead to all kinds of trouble when you’re traveling — crashes, getting stuck, getting lost. And cold temperatures make those situations even more dangerous than usual.

February is the shortest month of the year (even in leap years, when it has 29 days instead of 28), but there’s no shortage of interesting facts about it. From weird holidays to astronomical oddities, this month has a bit of everything.

Carrying a minimum amount of auto insurance is required by state laws, so you can’t legally drive without it. Yet while the minimum amount keeps your premiums lower, it can also put you at great risk if you have an accident. And after an accident is not the time to find out you’re underinsured.

Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO also is responsible for more than 400 deaths in America each year, according to the U.S. Centers for Disease Control and Prevention.

If you’ve ever been stuck on the side of the highway with an RV issue, you know what a life saver roadside assistance can be. Whether you need a battery charged, a tire changed, or a tow you’re often back on the road in no time — and maybe with an amusing story to chuckle about later.

The collector car market evolves with each generation. While the Silent Generation started collecting cars, it was Baby Boomers who really got it rolling. They fell in love with the Chevrolet Bel Air, the Ford Mustang, the Corvette Stingray, and other iconic vehicles.

Group riding is a favorite activity among many motorcycle riders. Whether you’re part of a riding club, a social event, a charity ride, or out for a leisurely cruise with friends, group riding can be a rewarding way to spend time doing what you love.

Tornadoes are the most violent storms anywhere, and about 1,200 touch ground in the United States every year, according to the National Weather Service (NWS).

Almost anywhere it rains, it can flood. Even if you live in an area of that you think isn’t at risk, preparation is just as critical as with other types of emergencies.

We’re not quite sure where summer went, but if you haven’t noticed, it’s already time to think about the new school year. And as you think about how to get your kids organized and ready, consider doing the same thing for something else — your home. It won’t just be good for you; in many instances, removing clutter also means removing distractions, which can help your kids focus better.

Summer is here, which means it’s time to think about family vacations! (If you haven’t been thinking about them all year, that is.) The family part of family vacations, however, can make things a little complicated. You want to choose a destination that is fun for everyone, including the kids. You want to ensure they’re safe on the trip, wherever you go. And you probably want to figure out how to make traveling with them easier, too.

Spring is here, which means you’ll likely see more motorcycles on the road. And the key word here is “see.” People driving cars and trucks often fail to notice the motorcyclists around them, partly because they’re not accustomed to looking for them.

“What really makes a teacher is love … for it is love that transforms the social duty of the educator into the higher consciousness of a mission.” Almost everyone has a story about a teacher who inspired them—the one who made learning fun, ignited a passion for a specific topic, or even pushed students hard to soar beyond expectations.

Nobody really enjoys traveling during the holidays, do they? OK, you might if you’re going on vacation, or you’re visiting family in Hawaii or something. But for everyone else, it’s a slog—whether you’re battling airport crowds the Wednesday before Thanksgiving or fighting through highway traffic on Christmas Eve, getting anywhere can be a massive hassle.

On April 22, the 49th annual Earth Day is expected to include more than 1 billion people in nearly 200 countries taking part in what the Earth Day Network calls “the largest civic-focused day of action in the world.”

Of course, because spring is a time for new beginnings, cleaning and organization around the house are very popular this time of year. If you’re ready to tackle that monumental chore, read on for some helpful information.

Back in the early days of home security “systems,” around the end of World War I, it was common for homeowners to hire “door shakers”—night watchmen who would literally walk around and check doors to make sure they were locked.

Med Pay? PIP? Dec pages? Insurance terms, explained. With all kinds of different coverages for all kinds of different needs, insurance can be very confusing. And to make it even more challenging, at times it probably seems like insurance websites and policy documents are written in a completely foreign language.

Whether it’s a gift from someone special or a gift to yourself, a new piece of jewelry can bring some sparkle to your life. However, many people who find themselves victimized by burglars—or worse, a fire or some other disaster—also find out too late that they didn’t have enough insurance to replace their jewelry.

Drafty windows. Leaky faucets. Dirty air filters. All are common issues in homes across the country, and they’re not just annoying—they also cost you money in decreased energy efficiency and higher bills.

You’re not just imagining it—a lot of people are traveling with their pets these days.According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and 52% stay only at places that welcome pets.

Millions of Americans will be traveling this holiday season, and if it’s anything like previous years, a lot of that travel will be on the road. Last year, AAA estimated that more than 100 million Americans were planning a trip of more than 50 miles during the holidays—and that was just between Dec. 23 and Jan. 1.

Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up—whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time and money to fix.

Online data breaches are just an unfortunate fact of life now—as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time.

The end of summer means many things, such as cooler weather, shorter days and … the start of football is here!But most important, it means kids are headed back to school. And that means we all should be extra careful on the roads, in school zones and around buses.

It’s a bit of a tradition for many fathers to go on and on about the knowledge they’ve gained over the years, whether it’s about history, family stories, financial wisdom, or just plain random facts — like how that building over there used to be the old hardware store.

As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more ways than you may think, helping you rebuild your home or repair damage that results from a covered loss.

Most people would say their car is one of the most valuable assets they own – if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy.

If you own a boat (or better yet, as the joke goes, you know someone with a boat), you’ve probably thought about spending some evenings on the water — especially in the summertime. It’s a great thought, of course.

Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a ton of calories burned.

For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for injuries from lawn and garden tools, according to the U.S. Consumer Product Safety Commission (CPSC).

The amount of money that you're likely to pay out-of-pocket is an important consideration that you should make. The simplest way to find out how much you should pay is by looking at the summary of benefits that your plan provides. It's essential for you to know how to understand the terminology that your insurance provider uses.

The purpose of life insurance is to financially protect those you leave behind in the event of your death. No one knows when their time will come, and it’s important to have peace of mind that your loved ones will be taken care of if something happens to you. If you’re a senior citizen, now may be the time to consider purchasing life insurance. 

The thought of retirement is one that keeps many motivated to work. Being able to experience life off the clock is a great incentive, but only if it can truly be enjoyed. When it comes to preparing for the future, it's important to feel secure for yourself and any loved ones in case of the inevitable. 

April is tax season, so a lot of people are thinking about their finances these days. But if you’re like most people, you’re probably thinking in the short term: What’s my refund going to be—or how much do I owe? And what is that going to do to my monthly budget?

Adding an extra layer of protection to your home in the form of a security system can prevent criminals from getting into the home or even stealing packages left on the front porch. With cameras and remote monitoring, you can ensure that any security

A reliable health insurance policy is an essential item you should never forget to purchase. A good policy can cover unexpected sicknesses, checkups and vaccinations, diagnostic testing, and some injuries resulting from an accident. 

Life Insurance is the agreement between you and a life insurance company in which the company agrees to pay an agreed-upon amount (death benefit) upon your death as long as your premium payments are up to date.

Whole life insures you for your lifespan while term life provides coverage for the number of years your policy specifies. Of whole or term life insurance which is better? Well, that depends on your requirements and budget.

Property insurance is something you must have in some cases and should have in others. It's a broad term that explains insurance coverage for single-family homes, condos, townhomes, etc

When shopping for life insurance, of course, your first thought is how you benefit or what are advantages of universal life insurance? You will also want to know your options to make an informed choice. So here are a few ways you can use your cash value.

There are no state or local laws specifically regulating life insurance policies in Idaho Falls. However, the Idaho Department of Insurance regulates the insurance industry in general, and they have a few requirements for life insurance companies

There’s perhaps no organizing task more daunting than the garage—it’s often the dumping ground for the stuff that has no other place in the house, or the things you don’t use but just can’t bring yourself to toss.

Having commercial property insurance is one way to prepare for disasters that might impact the business and cover yourself in case of potential future losses. The typical property insurance policy covers the business building and the contents of the building

Decluttering is having a moment these days. Organizing guru Marie Kondo has her own show on Netflix, people everywhere are going through their things and asking, “Does this bring me joy?” and many are even exploring the minimalist lifestyle.

Auto insurance is the most common type of insurance since everybody needs it to be able to legally drive in Idaho. We offer liability insurance that covers any injuries and property damage to another driver's vehicle if you are involved in a crash

It doesn't matter whether you have one motorcycle or a fleet; you'll need insurance for it. Motorcycles also get into accidents, and an insurance cover could come in handy when you want to repair your bike or get a new one.

Life insurance's primary purpose is to provide financial assistance to the insured's loved ones after they pass. The value can range from just enough to cover some of the final costs to an amount that can support the family throughout the grieving and adjustment process.

With spring in full bloom and summer just on the horizon, prime boating season is upon us. And you might notice more people on the water than ever, because sales of recreational boats have been growing at a steady clip for seven consecutive years now, according to the National Marine Manufacturers Association.

When you add commercial umbrella insurance to general liability, it offers you coverage for legal and medical expenses in the event that someone is injured while they’re on your business premises.